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First-time buyer hub

Find out everything you need to know when buying your first home, from finding the perfect property and the mortgage process right through to the big move and everything in-between.
Find out more

Great news for first time buyers!

With 95% mortgages now available (75% in London & SE England), £1,000 cashback on selected deals, plus award-winning service from local people, getting your foot on the property ladder is easier than you think.

5% deposits and £1,000 cashback
5% deposit mortgages are back! You could also get £1,000 cashback with our 5-year fixed rate mortgage.
Platinum-rated customer service
Providing great service is something we’re really proud of. We’ve won Feefo’s Platinum Trusted Service Award for 2021.
Book a phone appointment
Any questions? You can speak to us about your mortgage 7 days a week.

*£1,000 cashback only available on our 2 and 5 year fixed rate First Time Buyer mortgage products up to 95%. Terms and conditions apply.

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

View our latest deals

Use our mortgage product selector to compare our latest mortgage deals

£100,000
£20,000
20 Years
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT VARIABLE RATE
1.19%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.05% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.19% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £515.02 and 168 monthly payments of £629.56.

The total amount payable would be £120,256 made up of the loan amount plus interest (£28,127), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.19%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.05% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.19% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £515.02 and 168 monthly payments of £629.56.

The total amount payable would be £120,516 made up of the loan amount plus interest (£28,127), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.19%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.05% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.19% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £515.02 and 168 monthly payments of £629.56.

The total amount payable would be £120,256 made up of the loan amount plus interest (£28,127), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.19%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.05% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.19% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £515.02 and 168 monthly payments of £629.56.

The total amount payable would be £120,516 made up of the loan amount plus interest (£28,127), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.27%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.97% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.27% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £518.23 and 168 monthly payments of £630.04.

The total amount payable would be £119,413 made up of the loan amount plus interest (£28,284), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.27%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.97% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.27% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £518.23 and 168 monthly payments of £630.04.

The total amount payable would be £119,673 made up of the loan amount plus interest (£28,284), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.27%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.97% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.27% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £518.23 and 168 monthly payments of £630.04.

The total amount payable would be £119,413 made up of the loan amount plus interest (£28,284), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.27%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.97% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.27% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £518.23 and 168 monthly payments of £630.04.

The total amount payable would be £119,673 made up of the loan amount plus interest (£28,284), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.31%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £519.84 and 168 monthly payments of £630.27.

The total amount payable would be £120,491 made up of the loan amount plus interest (£28,362), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.31%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £519.84 and 168 monthly payments of £630.27.

The total amount payable would be £120,751 made up of the loan amount plus interest (£28,362), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.31%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £519.84 and 168 monthly payments of £630.27.

The total amount payable would be £120,491 made up of the loan amount plus interest (£28,362), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.31%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £519.84 and 168 monthly payments of £630.27.

The total amount payable would be £120,751 made up of the loan amount plus interest (£28,362), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.37%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.37% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £522.27 and 168 monthly payments of £630.62.

The total amount payable would be £119,608 made up of the loan amount plus interest (£28,479), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.37%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.37% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £522.27 and 168 monthly payments of £630.62.

The total amount payable would be £119,868 made up of the loan amount plus interest (£28,479), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.37%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.37% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £522.27 and 168 monthly payments of £630.62.

The total amount payable would be £119,608 made up of the loan amount plus interest (£28,479), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.37%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.37% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £522.27 and 168 monthly payments of £630.62.

The total amount payable would be £119,868 made up of the loan amount plus interest (£28,479), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.39%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.39% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £523.08 and 168 monthly payments of £630.74.

The total amount payable would be £119,647 made up of the loan amount plus interest (£28,518), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.39%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.39% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £523.08 and 168 monthly payments of £630.74.

The total amount payable would be £119,907 made up of the loan amount plus interest (£28,518), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.39%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.39% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £523.08 and 168 monthly payments of £630.74.

The total amount payable would be £119,647 made up of the loan amount plus interest (£28,518), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.39%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.39% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £523.08 and 168 monthly payments of £630.74.

The total amount payable would be £119,907 made up of the loan amount plus interest (£28,518), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.40%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.40% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.40% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £316.20 and 274 monthly payments of £422.67.

The total amount payable would be £126,162 made up of the loan amount plus interest (£44,033), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.40%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.40% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.40% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £316.20 and 274 monthly payments of £422.67.

The total amount payable would be £126,422 made up of the loan amount plus interest (£44,033), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.40%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.40% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.40% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £316.20 and 274 monthly payments of £422.67.

The total amount payable would be £126,162 made up of the loan amount plus interest (£44,033), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.40%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.40% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.40% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £316.20 and 274 monthly payments of £422.67.

The total amount payable would be £126,422 made up of the loan amount plus interest (£44,033), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.43%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.43% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.43% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £317.32 and 274 monthly payments of £422.79.

The total amount payable would be £126,224 made up of the loan amount plus interest (£44,095), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.43%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.43% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.43% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £317.32 and 274 monthly payments of £422.79.

The total amount payable would be £126,484 made up of the loan amount plus interest (£44,095), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.43%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.43% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.43% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £317.32 and 274 monthly payments of £422.79.

The total amount payable would be £126,224 made up of the loan amount plus interest (£44,095), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.43%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.43% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.43% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £317.32 and 274 monthly payments of £422.79.

The total amount payable would be £126,484 made up of the loan amount plus interest (£44,095), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.48%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.48% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.48% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £319.20 and 274 monthly payments of £422.99.

The total amount payable would be £126,327 made up of the loan amount plus interest (£44,198), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.48%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.48% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.48% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £319.20 and 274 monthly payments of £422.99.

The total amount payable would be £126,327 made up of the loan amount plus interest (£44,198), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.49%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.75% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.49% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £527.13 and 168 monthly payments of £631.32.

The total amount payable would be £119,842 made up of the loan amount plus interest (£28,713), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.49%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.75% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.49% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £527.13 and 168 monthly payments of £631.32.

The total amount payable would be £120,102 made up of the loan amount plus interest (£28,713), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.49%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.75% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.49% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £527.13 and 168 monthly payments of £631.32.

The total amount payable would be £119,842 made up of the loan amount plus interest (£28,713), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.49%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.75% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.49% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £527.13 and 168 monthly payments of £631.32.

The total amount payable would be £120,102 made up of the loan amount plus interest (£28,713), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.53%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.53% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.53% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £321.08 and 274 monthly payments of £423.19.

The total amount payable would be £125,431 made up of the loan amount plus interest (£44,302), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.53%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.53% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.53% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £321.08 and 274 monthly payments of £423.19.

The total amount payable would be £125,691 made up of the loan amount plus interest (£44,302), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.53%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.53% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.53% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £321.08 and 274 monthly payments of £423.19.

The total amount payable would be £125,431 made up of the loan amount plus interest (£44,302), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.53%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.53% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.53% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £321.08 and 274 monthly payments of £423.19.

The total amount payable would be £125,691 made up of the loan amount plus interest (£44,302), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.56%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.56% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £322.21 and 274 monthly payments of £423.31.

The total amount payable would be £125,493 made up of the loan amount plus interest (£44,364), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.56%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.56% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £322.21 and 274 monthly payments of £423.31.

The total amount payable would be £125,753 made up of the loan amount plus interest (£44,364), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.56%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.56% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £322.21 and 274 monthly payments of £423.31.

The total amount payable would be £125,493 made up of the loan amount plus interest (£44,364), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.56%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.56% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £322.21 and 274 monthly payments of £423.31.

The total amount payable would be £125,753 made up of the loan amount plus interest (£44,364), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.60%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 1.60% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.60% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £323.72 and 274 monthly payments of £423.47.

The total amount payable would be £126,577 made up of the loan amount plus interest (£44,448), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.60%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 1.60% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.60% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £323.72 and 274 monthly payments of £423.47.

The total amount payable would be £126,577 made up of the loan amount plus interest (£44,448), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.62%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.62% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.62% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £324.48 and 274 monthly payments of £423.55.

The total amount payable would be £125,618 made up of the loan amount plus interest (£44,489), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.62%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.62% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.62% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £324.48 and 274 monthly payments of £423.55.

The total amount payable would be £125,618 made up of the loan amount plus interest (£44,489), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.67%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.57% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.67% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.48 and 168 monthly payments of £632.37.

The total amount payable would be £121,195 made up of the loan amount plus interest (£29,066), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.67%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.57% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.67% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.48 and 168 monthly payments of £632.37.

The total amount payable would be £121,195 made up of the loan amount plus interest (£29,066), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.67%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 1.67% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.67% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £326.38 and 274 monthly payments of £423.75.

The total amount payable would be £125,722 made up of the loan amount plus interest (£44,593), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.67%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 1.67% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.67% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £326.38 and 274 monthly payments of £423.75.

The total amount payable would be £125,722 made up of the loan amount plus interest (£44,593), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.68%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.68% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.90 and 168 monthly payments of £632.42.

The total amount payable would be £119,214 made up of the loan amount plus interest (£29,084) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.68%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.68% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.90 and 168 monthly payments of £632.42.

The total amount payable would be £119,474 made up of the loan amount plus interest (£29,084), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.68%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.68% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.90 and 168 monthly payments of £632.42.

The total amount payable would be £119,214 made up of the loan amount plus interest (£29,084) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.68%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.68% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.90 and 168 monthly payments of £632.42.

The total amount payable would be £119,474 made up of the loan amount plus interest (£29,084), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.74%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.50% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.74% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £537.36 and 168 monthly payments of £632.77.

The total amount payable would be £120,331 made up of the loan amount plus interest (£29,202), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.74%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.50% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.74% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £537.36 and 168 monthly payments of £632.77.

The total amount payable would be £120,331 made up of the loan amount plus interest (£29,202), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.84%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.40% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £541.49 and 168 monthly payments of £633.34.

The total amount payable would be £119,527 made up of the loan amount plus interest (£29,397) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.84%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.40% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £541.49 and 168 monthly payments of £633.34.

The total amount payable would be £119,787 made up of the loan amount plus interest (£29,397), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.84%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.40% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £541.49 and 168 monthly payments of £633.34.

The total amount payable would be £120,526 made up of the loan amount plus interest (£29,397), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.84%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.40% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £541.49 and 168 monthly payments of £633.34.

The total amount payable would be £119,527 made up of the loan amount plus interest (£29,397) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.84%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.40% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £541.49 and 168 monthly payments of £633.34.

The total amount payable would be £119,787 made up of the loan amount plus interest (£29,397), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.86%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.86% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.86% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £375.36 and 238 monthly payments of £464.36.

The total amount payable would be £135,919 made up of the loan amount plus interest (£43,790), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.86%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.86% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.86% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £375.36 and 238 monthly payments of £464.36.

The total amount payable would be £136,179 made up of the loan amount plus interest (£43,790), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.86%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.86% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.86% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £375.36 and 238 monthly payments of £464.36.

The total amount payable would be £135,919 made up of the loan amount plus interest (£43,790), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.86%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.86% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.86% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £375.36 and 238 monthly payments of £464.36.

The total amount payable would be £136,179 made up of the loan amount plus interest (£43,790), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.92%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.92% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.92% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £377.97 and 238 monthly payments of £464.97.

The total amount payable would be £136,226 made up of the loan amount plus interest (£44,097), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.92%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.92% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.92% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £377.97 and 238 monthly payments of £464.97.

The total amount payable would be £136,486 made up of the loan amount plus interest (£44,097), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.92%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.92% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.92% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £377.97 and 238 monthly payments of £464.97.

The total amount payable would be £136,226 made up of the loan amount plus interest (£44,097), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.92%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.92% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.92% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £377.97 and 238 monthly payments of £464.97.

The total amount payable would be £136,486 made up of the loan amount plus interest (£44,097), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.95%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.95% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.95% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £379.28 and 238 monthly payments of £465.28.

The total amount payable would be £135,381 made up of the loan amount plus interest (£44,252), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.95%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.95% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.95% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £379.28 and 238 monthly payments of £465.28.

The total amount payable would be £135,641 made up of the loan amount plus interest (£44,252), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.95%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.95% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.95% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £379.28 and 238 monthly payments of £465.28.

The total amount payable would be £135,381 made up of the loan amount plus interest (£44,252), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.95%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.95% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.95% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £379.28 and 238 monthly payments of £465.28.

The total amount payable would be £135,641 made up of the loan amount plus interest (£44,252), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.96%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.96% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.96% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £337.53 and 274 monthly payments of £424.88.

The total amount payable would be £125,323 made up of the loan amount plus interest (£45,193) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.96%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.96% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.96% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £337.53 and 274 monthly payments of £424.88.

The total amount payable would be £125,583 made up of the loan amount plus interest (£45,193), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.96%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.96% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.96% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £337.53 and 274 monthly payments of £424.88.

The total amount payable would be £125,323 made up of the loan amount plus interest (£45,193) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.96%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.96% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 1.96% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £337.53 and 274 monthly payments of £424.88.

The total amount payable would be £125,583 made up of the loan amount plus interest (£45,193), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.98%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.98% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.98% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £380.59 and 238 monthly payments of £465.59.

The total amount payable would be £136,536 made up of the loan amount plus interest (£44,407), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.98%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.98% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 1.98% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £380.59 and 238 monthly payments of £465.59.

The total amount payable would be £136,536 made up of the loan amount plus interest (£44,407), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.00%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.00% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.00% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £339.08 and 274 monthly payments of £425.04.

The total amount payable would be £125,407 made up of the loan amount plus interest (£45,277) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.00%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.00% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.00% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £339.08 and 274 monthly payments of £425.04.

The total amount payable would be £125,667 made up of the loan amount plus interest (£45,277), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.00%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.00% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.00% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £339.08 and 274 monthly payments of £425.04.

The total amount payable would be £125,407 made up of the loan amount plus interest (£45,277) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.00%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.00% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.00% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £339.08 and 274 monthly payments of £425.04.

The total amount payable would be £125,667 made up of the loan amount plus interest (£45,277), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.02%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 2.02% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.02% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £382.35 and 238 monthly payments of £465.99.

The total amount payable would be £135,740 made up of the loan amount plus interest (£44,611), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.02%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 2.02% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.02% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £382.35 and 238 monthly payments of £465.99.

The total amount payable would be £136,000 made up of the loan amount plus interest (£44,611), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.02%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 2.02% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.02% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £382.35 and 238 monthly payments of £465.99.

The total amount payable would be £135,740 made up of the loan amount plus interest (£44,611), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.02%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 2.02% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.02% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £382.35 and 238 monthly payments of £465.99.

The total amount payable would be £136,000 made up of the loan amount plus interest (£44,611), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.03%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.21% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.03% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £549.38 and 168 monthly payments of £634.42.

The total amount payable would be £119,898 made up of the loan amount plus interest (£29,768) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.03%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.21% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.03% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £549.38 and 168 monthly payments of £634.42.

The total amount payable would be £119,898 made up of the loan amount plus interest (£29,768) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.05%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.19% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.05% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £550.22 and 168 monthly payments of £634.54.

The total amount payable would be £121,937 made up of the loan amount plus interest (£29,808), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.05%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.19% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.05% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £550.22 and 168 monthly payments of £634.54.

The total amount payable would be £121,937 made up of the loan amount plus interest (£29,808), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.06%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.06% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.06% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £341.43 and 274 monthly payments of £425.27.

The total amount payable would be £125,531 made up of the loan amount plus interest (£45,401) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.06%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.06% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.06% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £341.43 and 274 monthly payments of £425.27.

The total amount payable would be £125,531 made up of the loan amount plus interest (£45,401) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.10%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.10% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.10% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £385.87 and 238 monthly payments of £466.81.

The total amount payable would be £136,154 made up of the loan amount plus interest (£45,025), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.10%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.10% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.10% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £385.87 and 238 monthly payments of £466.81.

The total amount payable would be £136,154 made up of the loan amount plus interest (£45,025), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.12%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 2.12% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.12% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £343.78 and 274 monthly payments of £425.50.

The total amount payable would be £125,655 made up of the loan amount plus interest (£45,525) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.12%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 2.12% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.12% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £343.78 and 274 monthly payments of £425.50.

The total amount payable would be £125,655 made up of the loan amount plus interest (£45,525) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.12%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.12% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.12% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £553.15 and 168 monthly payments of £634.93.

The total amount payable would be £121,073 made up of the loan amount plus interest (£29,944), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.12%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.12% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.12% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £553.15 and 168 monthly payments of £634.93.

The total amount payable would be £121,073 made up of the loan amount plus interest (£29,944), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.15%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.15% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.15% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £388.08 and 238 monthly payments of £467.31.

The total amount payable would be £137,410 made up of the loan amount plus interest (£45,281), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.15%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.15% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.15% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £388.08 and 238 monthly payments of £467.31.

The total amount payable would be £137,410 made up of the loan amount plus interest (£45,281), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.22%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.02% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.22% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £557.35 and 168 monthly payments of £635.50.

The total amount payable would be £121,269 made up of the loan amount plus interest (£30,140), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.22%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.02% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.22% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £557.35 and 168 monthly payments of £635.50.

The total amount payable would be £121,269 made up of the loan amount plus interest (£30,140), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.24%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.24% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.24% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £392.07 and 238 monthly payments of £468.22.

The total amount payable would be £135,875 made up of the loan amount plus interest (£45,745) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.24%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.24% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.24% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £392.07 and 238 monthly payments of £468.22.

The total amount payable would be £136,135 made up of the loan amount plus interest (£45,745), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.24%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.24% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.24% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £392.07 and 238 monthly payments of £468.22.

The total amount payable would be £135,875 made up of the loan amount plus interest (£45,745) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.24%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.24% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.24% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £392.07 and 238 monthly payments of £468.22.

The total amount payable would be £136,135 made up of the loan amount plus interest (£45,745), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.27%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.27% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.27% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £393.41 and 238 monthly payments of £468.52.

The total amount payable would be £136,029 made up of the loan amount plus interest (£45,899) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.27%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.27% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.27% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £393.41 and 238 monthly payments of £468.52.

The total amount payable would be £136,289 made up of the loan amount plus interest (£45,899), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.27%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.27% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.27% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £393.41 and 238 monthly payments of £468.52.

The total amount payable would be £136,029 made up of the loan amount plus interest (£45,899) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.27%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.27% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.27% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £393.41 and 238 monthly payments of £468.52.

The total amount payable would be £136,289 made up of the loan amount plus interest (£45,899), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.28%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.28% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.28% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £393.86 and 238 monthly payments of £468.62.

The total amount payable would be £137,080 made up of the loan amount plus interest (£45,951), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.28%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.28% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.28% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £393.86 and 238 monthly payments of £468.62.

The total amount payable would be £137,080 made up of the loan amount plus interest (£45,951), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.31%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.31% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.31% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £395.20 and 238 monthly payments of £468.92.

The total amount payable would be £136,235 made up of the loan amount plus interest (£46,105) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.31%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.31% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.31% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £395.20 and 238 monthly payments of £468.92.

The total amount payable would be £136,235 made up of the loan amount plus interest (£46,105) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.37%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 1.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.37% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £563.69 and 168 monthly payments of £636.34.

The total amount payable would be £120,564 made up of the loan amount plus interest (£30,434) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.37%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 1.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £90,000 payable over 16 years initially on this variable rate product for 2 years at 2.37% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £563.69 and 168 monthly payments of £636.34.

The total amount payable would be £120,564 made up of the loan amount plus interest (£30,434) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.45%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 2.45% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.45% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £401.49 and 238 monthly payments of £470.31.

The total amount payable would be £136,956 made up of the loan amount plus interest (£46,826) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.45%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 2.45% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.45% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £401.49 and 238 monthly payments of £470.31.

The total amount payable would be £136,956 made up of the loan amount plus interest (£46,826) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.48%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 95%

Your interest rate is fixed at 2.48% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.48% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £358.09 and 274 monthly payments of £426.85.

The total amount payable would be £127,396 made up of the loan amount plus interest (£46,267), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.48%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 95%

Your interest rate is fixed at 2.48% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.48% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £358.09 and 274 monthly payments of £426.85.

The total amount payable would be £127,396 made up of the loan amount plus interest (£46,267), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.51%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 2.51% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.51% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £359.30 and 274 monthly payments of £426.96.

The total amount payable would be £126,459 made up of the loan amount plus interest (£46,329) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.51%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 2.51% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.51% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £359.30 and 274 monthly payments of £426.96.

The total amount payable would be £126,459 made up of the loan amount plus interest (£46,329) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.53%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.53% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.53% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £405.12 and 238 monthly payments of £471.10.

The total amount payable would be £137,369 made up of the loan amount plus interest (£47,239) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.53%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.53% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.53% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £405.12 and 238 monthly payments of £471.10.

The total amount payable would be £137,369 made up of the loan amount plus interest (£47,239) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.59%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 2.59% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.59% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £407.85 and 238 monthly payments of £471.69.

The total amount payable would be £137,679 made up of the loan amount plus interest (£47,549) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.59%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 2.59% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.59% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £407.85 and 238 monthly payments of £471.69.

The total amount payable would be £137,679 made up of the loan amount plus interest (£47,549) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.60%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.60% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.60% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £408.30 and 238 monthly payments of £471.79.

The total amount payable would be £137,731 made up of the loan amount plus interest (£47,601) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.60%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.60% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.60% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £408.30 and 238 monthly payments of £471.79.

The total amount payable would be £137,731 made up of the loan amount plus interest (£47,601) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.63%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 2.63% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.63% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £364.15 and 274 monthly payments of £427.40.

The total amount payable would be £126,706 made up of the loan amount plus interest (£46,576) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.63%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 2.63% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.63% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £364.15 and 274 monthly payments of £427.40.

The total amount payable would be £126,706 made up of the loan amount plus interest (£46,576) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.83%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 95%

Your interest rate is fixed at 2.83% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.83% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £418.87 and 238 monthly payments of £474.03.

The total amount payable would be £139,918 made up of the loan amount plus interest (£48,789), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.83%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
£999
Loan To Value
Up to 95%

Your interest rate is fixed at 2.83% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.83% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £418.87 and 238 monthly payments of £474.03.

The total amount payable would be £139,918 made up of the loan amount plus interest (£48,789), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.93%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 2.93% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.93% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £423.52 and 238 monthly payments of £474.99.

The total amount payable would be £139,436 made up of the loan amount plus interest (£49,306) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.93%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 2.93% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 2.93% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £423.52 and 238 monthly payments of £474.99.

The total amount payable would be £139,436 made up of the loan amount plus interest (£49,306) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.93%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 2.93% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.93% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £376.46 and 274 monthly payments of £428.47.

The total amount payable would be £127,319 made up of the loan amount plus interest (£47,189) and other lending fees (£20).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.93%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 2.93% until 1st April 2024, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd April 2023 and 1% before 2nd April 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2024
Representative Example:

A mortgage of £80,000 payable over 25 years initially on this fixed rate product until 1st April 2024 at 2.93% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £376.46 and 274 monthly payments of £428.47.

The total amount payable would be £127,319 made up of the loan amount plus interest (£47,189) and other lending fees (£20).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.03%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.03% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 3.03% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £428.20 and 238 monthly payments of £475.94.

The total amount payable would be £139,952 made up of the loan amount plus interest (£49,822) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.03%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.03% until 1st April 2027, followed by our Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd April 2023, 4% before 2nd April 2024, 3% before 2nd April 2025, 2% before 2nd April 2026 and 1% before 2nd April 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2027
Representative Example:

A mortgage of £90,000 payable over 25 years initially on this fixed rate product until 1st April 2027 at 3.03% and then on our Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 62 monthly payments of £428.20 and 238 monthly payments of £475.94.

The total amount payable would be £139,952 made up of the loan amount plus interest (£49,822) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

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FAQs

  • How much can I borrow?

    The amount you can borrow depends on your income, outgoings and individual situation. You can get an idea of what you could borrow with our Mortgage Calculator, but for more detailed figures speak to one of our mortgage and protection advisors.

    If you want to apply for a mortgage with a second person, we will usually take into account your joint incomes.

    Once we have talked to you about a mortgage, we can give you a Mortgage Affordability Certificate, showing how much we will lend you if the valuation of the property is satisfactory.

  • How long does it take to get a mortgage?

    The length of time it will take you to get a mortgage depends on several different factors including your circumstances, the property and legal procedures.

    Once the mortgage application form has been completed, we will send a valuer to prepare a mortgage valuation report on the property to make sure we can lend you what you want. We will also check your income and financial status.

    You will need to instruct a conveyancer to handle the legal details (procedures for buying a house in Scotland are different from the system in England and Wales so it is important to contact a conveyancer at an early stage for guidance).

    While you're doing this, we check your application and obtain references and a valuation. Providing these are satisfactory, we will offer you the mortgage. This usually takes two to three weeks, but we can normally give you an immediate "in principle" decision.

  • What will it cost me?

    Initial costs

    In addition to the deposit you will have other expenses such as conveyancer's fees (including registration fees and possibly stamp duty land tax), valuation fees (unless the mortgage product you've chosen includes a free valuation) and insurance costs. We will go through these with you so that you can work out how much you need to borrow.

    Monthly mortgage payment

    The amount of the monthly mortgage payment depends on:

    • how much you wish to borrow
    • how many years you pay it back over
    • the type of mortgage you choose
    • the current interest rate, and
    • whether or not you decide to pay your house and contents insurance along with your mortgage payment.

    Take all these points into account and with the help of a Mortgage Illustration you should have a good idea of how much your mortgage will costs each month.